Indian Rupee (INR)
Published processing fees and market availability for the Indian Rupee (INR) across 10 gateways, bank acquirers, and payment rails serving India, Bhutan. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Asia currencies
Who serves this currency
All 10 gateways, bank acquirers and wallets serving INR markets, including providers with published INR fee schedules (3) and custom/quote-only processors (7).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeStripe India (invite-only preview), local pricing applies. | Custom pricing |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| PayUPayU India standard domestic checkout (+18% GST on fee). | Published fees |
| EBANXCross-border processor for LatAm, Africa and India with 100+ local methods (Pix, boleto, OXXO). Custom pricing; third-party reviews cite ~2.7% + $0.30 (2021 figure, verify). | Serves this market |
| Razorpay ( & Curlec)Standard Checkout 2% (18% GST applies to the fee); international cards up to 3%. | Published fees |
| Cashfree PaymentsIndia domestic cards & netbanking 1.95% (+18% GST on fee); standard UPI 0%; international cards 3.5% + ₹7. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalPayPal India supports cross-border receiving only. | Custom pricing |
| PaytmUPI-led pricing follows the NPCI MDR framework; wallet and card rates on the Paytm for Business pricing page. | Custom pricing |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (3 of 10 providers serving INR). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified INR rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 10 providers serving INR.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (7 additional providers serve INR with custom or quote-only pricing—see all 10 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayUPayU India standard domestic checkout (+18% GST on fee). | 2%+1% international cards | ₹0.00 | n/a | +1% |
| Razorpay ( & Curlec)Standard Checkout 2% (18% GST applies to the fee); international cards up to 3%. | 2%+1% international cards | ₹0.00 | n/a | +1% |
| Cashfree PaymentsIndia domestic cards & netbanking 1.95% (+18% GST on fee); standard UPI 0%; international cards 3.5% + ₹7. | 1.95%+1.55% international cards | ₹0.00 | n/a | +1.55% |
Monthly, plan & setup fees (INR)
7 of 10 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| PayUPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| EBANXEnterprise cross-border & local rail processing contract | Bank MID / custom | Custom enterprise contract | Custom |
| Razorpay ( & Curlec)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Cashfree PaymentsPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| PaytmNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Indian Rupee (INR) payment gateway FAQs
Which payment gateways and processors serve India, Bhutan (INR)?
Sympli5 tracks 10 payment gateways, bank acquirers, and payment rails serving India, Bhutan (Indian Rupee, INR), including Stripe, PayPal, Adyen, Checkout.com, PayU, EBANX and 4 others. Of these, 3 publish verifiable standard INR per-transaction schedules and 7 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Indian Rupee (INR)?
Among the 3 providers with publicly verified INR schedules, the lowest headline variable rate starts at 1.95% + ₹0.00 via Cashfree Payments. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive INR calculator on this page to compare exact net payouts.
Do INR payment gateways charge monthly or setup fees?
Of the 10 providers serving INR markets, 7 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 3 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for INR transactions?
An international (foreign-issued) card fee applies when a customer pays your business in INR using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In INR, providers like PayU (+1%), Razorpay ( & Curlec) (+1%), Cashfree Payments (+1.55%) add an explicit cross-border card surcharge on top of their domestic rate.